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How to Document a Motor Vehicle Claim A motor vehicle claim is the process of filing a report with your insurance company following an accident. The report will enable them to look into your insurance and determine the amount they will pay for the damages. You must submit your claim as quickly as you can after the accident. Make sure you have an original copy of the police report along with your insurance card or declarations page available. What should you do following an accident? After a collision, take photos and videos at different angles to capture the accident. The scene may change quickly witnesses may leave, and evidence could vanish. If possible, record the names of drivers as well as their phone numbers, addresses, and insurance information. Note the year model, make, and year of each vehicle, as well as any other pertinent information, such as a damage or license plate number. It is also beneficial to ask each driver if they're wearing seatbelts or had passengers and to note their gender and age. In many instances the injuries that result from motor vehicle accidents do not show up until several days following the incident. This is why it's important to seek medical attention as soon as possible even if you do not believe you have any injuries. If you can, move the vehicle out of traffic in order to prevent further injury or damage. Set up flares and reflective emergency triangles as well to stop other motorists from hitting you. Report the incident to the authorities if you can. Even if the incident appears to be minor, it's crucial to report the incident to police. The other driver may later claim that the accident never happened and their insurance company might not pay your claim. Getting Started An insurance claim is the process of letting your insurer know about a loss and asking them to pay for it. This could mean paying for the damages to a vehicle or covering medical expenses in the event of an accident. Be sure to gather all the relevant information prior to filing your claim. This includes contact details for each person affected, receipts for any damaged personal property and any medical bills. Also, you should have a copy of the accident report and photos of any damages. Your insurer will assign an adjuster to your claim who will be the head of your claim. They will review the information you provided immediately following the incident and conduct an investigation of their own. This will enable them to determine the root of the accident and determine who was responsible for the accident. After they have a complete understanding of what happened, your adjuster will inspect the damage to your vehicle. You may be present during the inspection, or you can provide a list of repair quotes from local auto repair shops or contractors. If the insurance company decides that your car's damage is too costly to repair the damage, they will issue you a payment equal to the value of the vehicle. You can use the funds to purchase a new vehicle or to pay off your loan or lease. If you submit a claim, your insurance rates could increase. Do everything you can to prove that the accident wasn't caused by you. Documenting the Incident Documenting an accident is essential when you're involved. Insurance companies are seeking evidence that supports the claims that you or other parties make. Evidence that is documented and collected can be the difference in the majority of cases. If it's photographs of the scene of the accident as well as witness statements, or medical records that prove consistent treatment, it's vital to have all of the information. When you are investigating the incident, make certain to note the driver's license number and the information about the vehicle. Also, keep track of the names and contact details of witnesses. If possible, capture photos or draw an image of the crash scene. motor vehicle accident attorney providence will allow you to see what happened at the site of the crash, and what caused it. Documentation should also include details about the accident. This includes the location, the direction of travel and any relevant landmarks. It's important to include a description of any injuries that were sustained in the accident, as well. It's also crucial to note the severity of any damage that occurred and how it was caused. It is important to document the incident since memories may fade with time and stories may change. It's the best way to be able to tell the truth. Even if it's your fault, documenting the facts will aid in determining the amount of liability that should be assigned to your account. Finding Help Contact your insurance company as fast as possible after the police report has been filed. A lot of insurers let you make a claim through an app for your tablet or phone. It's recommended to receive a check from your insurance company regarding the value of your car. This will be helpful when you are planning to purchase a new car and your car is “totaled”. You can pay off your loan or reduce your monthly payments if you still owe money on your vehicle. Your representative will ask you a series of questions and send you documents to fill in. It is important to always be honest and accurate when you provide information. It could hurt your case when you are discovered to have not provided accurate information. If you are hurt in an accident, make an appointment with your doctor immediately to ensure that your bones are set correctly and that any other injuries are documented for the claim process. By seeing your doctor as soon as you can you can ensure that medical expenses are covered by accident-related benefits that are no fault. If your No-Fault claim is rejected by the insurance company, or if you'd like to pursue a liability claim for pain and suffering or other damages, you will have to file a lawsuit. It's best to have an experienced attorney by your side when you decide to pursue this.